Except for Newfoundland and Labrador, car insurance companies in Canada must provide accident benefits to everyone involved in a car accident, regardless of whether these are two-car collisions or single-vehicle accidents. No-fault statutory accident benefits (“SABS” or “accident benefits”) are built-in to all auto insurance policies. If you sustain injuries as a driver in a collision, you can file a SABS claim against your insurance company or the other driver if you don’t have an insurance policy. The same applies if you are a passenger, pedestrian or a relative of an injured person in an accident. However, making a claim ...
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When you sustain injuries due to a negligent motor vehicle accident in Ontario, you can sue for compensation through a personal injury lawsuit and claim statutory accident benefits. However, if you file a lawsuit, you have to prove that the defendant was negligent or otherwise at fault. On the other hand, if you claim statutory accident benefits (SAB), you can get benefits through your car accident insurance policy regardless of fault as mandated under the Statutory Accident Benefit Schedule (Schedule). Pursuing one course does not preclude you from seeking the other. If an insured person claims SABS from their insurer, ...
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